Securing your life and that of your loved ones is very important and knows the importance of a life protection insurance.
We are all exposed to different types of risks, from your home, work, on the street, etc. We can’t let the fate of our loved ones go unprotected in case you suffer an accident.
Remember that the most precious thing we have is our life and the loved ones who depend on us. Our work is the basis with which the main needs of the family are met, however, we are exposed to an endless number of risks that can affect the stability of our homes.
For example, our death may cause our children to have to work earlier than planned and to abandon their studies.
Given this possibility, it is very prudent to have a life insurance policy that allows our dependents to face their economic future in the best way, in the event of our death.
Life insurance, unlike other types of insurance, is reasonably accessible, that is without having to make large outlays, we can protect what interests us most, our family.
The versatility of the plans will allow you to plan your protection in the most appropriate way, there are policies from one year of validity, for life, you can also decide to add accident or disability coverage, save on your policy or plan your retirement.
A life insurance policy offers the benefit of supporting you and your loved ones economically in case you suffer an accident, lose your life or become disabled.
Today the costs of hospitals, doctors, medicines or treatments for diseases such as diabetes or cancer are very high, without you are not protected, your lifestyle can be drastically affected in your economy and of course in your family.
There are different life insurance policies, know them, analyze them and choose the one that best suits you:
Ordinary of life or life: The insurer will pay the insured sum of this coverage upon the death of the insured, its objective is to grant protection for death during all life.
Temporary: The insurer will only pay the insured sum of this coverage if the insured dies during the period stipulated on the cover of the policy. Its objective is to offer protection during this period.
Total: The insurer will pay the insured sum of this coverage at the end of the term contracted or before if the insured dies. Its objective is to offer protection by death and survival. From the combination of these plans, products are generated to cover the needs of:
Protection (by death and survival)
Retirement or individual retirement, with tax benefits
Education
Saving
Investment: It is one that, being a traditional plan, has an Investment Fund associated with it, which is usually constituted by the short-term endowment maturity and the dividends that are left in administration in the company.
Flexible insurance: These are plans that offer coverage at least by death and are characterized by flexibility in their administrative management. Their values are calculated monthly and are constituted as the premiums paid for both their coverage and the investment premium, they are charged the costs of coverage and insurance administration expenses, paying interest generated by the investment of the reserve and the dividend fund in administration, as the case may be. In these plans, partial withdrawals can be made.
Additional coverages:
Disability protection: In case the insured has an accident or illness that will cause a total and permanent disability, the insurance will continue in force without further payment of premiums.
Additional disability payment: In case the insured has a total and permanent disability.
Protection by accident: In case of accidental death of the insured, the beneficiaries will receive the insured sum of the basic coverage plus the sum insured contracted for this benefit.
Collective death: In addition to protecting the insured due to accidental death and organic losses, if the death occurs due to an accident on a public transport, the beneficiaries will receive the basic insured amount plus double the insured sum contracted for this benefit.
Marital coverage: Upon the death of the insured, his spouse is protected without further payment of premiums, up to the insured sum contracted.
